Can I still buy Middle East travel insurance for the UAE or Saudi Arabia?

Some providers have paused new policies or added exclusions for trips to Gulf states. Availability changes quickly, so check multiple insurers and brokers. If standard cover is not offered, ask about specialist high-risk policies. Always confirm exclusions tied to war, terrorism and government travel advisories before booking.

Will existing policies cover cancellations if FCDO advises against travel?

Many policies exclude cancellation when the FCDO advises against travel, unless you purchased a specific add-on. Review your schedule of benefits and endorsements for war, terrorism and known-event clauses. If cancellation is not covered, ask your airline or hotel about free changes or refunds and keep records of all guidance.

How do higher war risk insurance costs affect airfares and schedules?

Rising war risk premiums increase airline operating costs. Carriers may adjust routes, add fuel and time buffers, or cut capacity to manage exposure. These shifts can raise fares or reduce flexibility. Check for schedule changes close to departure and monitor airline notices about rerouting or temporary suspensions on affected corridors.

What should investors watch in insurer updates over the next quarter?

Focus on disclosure of Middle East exposures, aviation insurance rate movements, and reinsurance pricing at upcoming renewals. Look for commentary on capacity deployment, event aggregates, and wording discipline for war and terrorism. Track broker market reports for evidence of tighter terms and any signs of rate momentum moderating or accelerating.

Global Market Insights

March 23: Insurers Halt Middle East Travel Cover; War Risk Premiums Rise

ByDanny Kontos March 23, 2026March 23, 2026

Middle East travel insurance is being suspended or restricted by several providers for trips to the UAE, Saudi Arabia, Qatar, Oman and neighbouring destinations as tensions escalate. For UK travellers, this creates coverage gaps and higher costs just as Easter and summer bookings build. Aviation insurance and war risk insurance premiums are also rising, pushing airlines and reinsurers to tighten terms. We break down what this means for bookings, cancellations, airline operations, and the near-term outlook for insurers in London’s market.